According to @QCompounding, Wall Street experts are often wrong and timing the market is unreliable, making low-cost index funds a more dependable core strategy for traders and investors (source: @QCompounding on X, Jan 12, 2026). According to @QCompounding, 96% of mutual funds underperform, reinforcing a set-it-and-forget-it approach that minimizes fee drag and benchmark risk in portfolios (source: @QCompounding on X, Jan 12, 2026). For execution, traders should prioritize broad, low-fee index exposure and dollar-cost averaging over short-term calls, according to @QCompounding (source: @QCompounding on X, Jan 12, 2026). This stance is consistent with long-horizon performance data showing most active managers lag their benchmarks, according to S&P Dow Jones Indices’ SPIVA scorecards that track active-versus-index results (source: S&P Dow Jones Indices SPIVA reports). For crypto allocation, applying the same principle favors systematic accumulation and low-fee, index-like exposure rather than speculative timing, according to @QCompounding’s set-it-and-forget-it guidance (source: @QCompounding on X, Jan 12, 2026).

According to Eric Balchunas, a high-fee active fund showing less than 40% active share indicates near-benchmark positioning that may not justify premium fees, source: @EricBalchunas on X. Active share below roughly 60% is widely used to flag closet indexing, which raises the hurdle to outperform after costs, source: Morningstar Research. Most high-fee active equity funds underperform benchmarks net of fees over multiyear horizons, reinforcing the risk for holders of low active share products, source: S&P Dow Jones Indices SPIVA U.S. Scorecard 2024. These dynamics tend to redirect flows toward low-cost index ETFs and alternative exposures like Bitcoin ETPs, both of which recorded robust net inflows in 2024, source: Investment Company Institute and CoinShares Digital Asset Fund Flows 2024.